SBVAF I am at wits end. Hopeless.

I am so effing tired of Standard Bank Vehicle and Asset finance. Honestly I am at wots end and don't know *** to do with then anymore.

In November last year I got contacted by them saying that my account is in arrears with R200. I don't k ow how this is possible because they take the premium every month via debit order and the debit order has never failed. There is always funds available. I didn't feel like raising my blood pressure because of R200 so I just paid it.

Two days later the money got reversed. Naturally my blood pressure rose and I contacted them to get some amswers. I dealt with a person called Gorden Bila. He assured me all was in order. The reversal of the R200 was correct because I was never in arrears.

Comes December, the debit order never went of on the 28th. Because it is December I give it a day or two to see what happens, nothing. I phone them again. The debit order was declined by my bank (also Standard Bank) due to the debit amount being more than the mandate. After a huge argument I get them to do a manual debit order and the payment goes off.

On the 6th or there about I get a threatening sms my car is in arrears. I lose my **** and phone agaim, because I tried to email Gorden, he ignore all my mails, the lady confirms payment was received but because it is a manual debit order it takes a couple of days to capture.

I ask het if the January debit order is now in place and everything is fine on their side for it to go off. She assures me it is. Today is the 28th and the debit order didn't go off again. I mean what the actual f..... How in the life am I going to get this sorted out. These people are absolutely useless. I honestly give up. I don't know what to do anymore.

They are ****ing with my credit score and I am not appreciative of that. What is the next step? Legal action against them? I am going to pull a credit report tomorrow and see what November and December says. I am not leaving this here. I honestly cant anymore. What is a person supposed to do.

I would highly advise against dealing with these people. They are taking a toll on my mental state.

I am at wits end with them.